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ACA Compliant · CMS Recognized

A better plan at a better price. Certified coverage, real savings — sleep easy.

Your school's plan can cost $2,000–$4,000. Ours starts at $1,785/year with the same valid, certified coverage — we help you waive your school's plan and keep the difference.

See if your school qualifies Calculate my price

How it works

Get covered in 5 simple steps

Tap any step to see what happens. The whole thing takes a few minutes.

1

Check your school

Is your university with us?

Tap ⟲

Check your school

See if your university is already registered with us. If not, tell us and we'll get it added.

✓ Registered — apply today.
2

Pick your plan

Sky 100 or Ocean 200.

Tap ⟲

Pick your plan

Two plans, same strong core coverage. Compare them and choose what fits you.

See the plans
3

Apply

A short, simple form.

Tap ⟲

Apply

Fill a short form: your name, email, WhatsApp, university and class start date. Two minutes.

Go to the form
4

Get approved

We confirm fast.

Tap ⟲

Get approved

We review your application and confirm your coverage with you shortly — no stress.

5

Get your letter

Submit & you're done.

Tap ⟲

Get your letter & submit it

You receive your approval letter by email. Hand it to your school's waiver office to drop the expensive school plan.

The two plans

Our plans — pick yours

Tap a card to see why it's great. Both come in 6-month and 12-month options.

Sky 100
$149/mo
or $1,785/year · ages 17–24
6-month & 12-month plans available
Tap to see the benefits ⟲
Sky 100
Why it's a great plan:
    Deductible: details coming
    Benefit Summary SBC
    Apply with Sky 100
    Ocean 200
    $200/mo
    or $2,396/year · ages 17–24
    6-month & 12-month plans available
    Tap to see the benefits ⟲
    Ocean 200
    Why it's a great plan:
      Deductible: details coming
      Benefit Summary SBC
      Apply with Ocean 200

      Price & savings

      Your exact price, in 3 taps

      Pick your plan, period and age. No hidden fees — what you see is the total.

      Plan
      Period
      Your age
      Your total
      $1,785
      for 12 months of coverage

      Why our plans are great

      Real coverage, real peace of mind

      See any specialist directlyNo referral needed — book the doctor you want.
      1M+ doctors in networkAetna/First Health PPO across the whole U.S.
      A doctor 24/7, freeTalk to a doctor anytime, right from your phone.
      $7,350 yearly capThat's the most you'd ever pay in a year — no surprises.

      Certifications — honor roll

      We're one of the few with all the certifications your school requires.

      Every credential below is a real, official document. Click any to open it.

      CMS RecognizedACA Compliant
      CMS Recognized
      On the official U.S. federal list
      ACA Compliant
      Meets federal health-law standards
      Texas TPA
      Licensed administrator
      California TPA
      #0M72911
      Arizona TPA
      #505361387
      Mississippi TPA
      #15039939
      New Mexico TPA
      #3000634697

      Apply

      Start your application — it takes 2 minutes

      Fill it out and we'll take it from there.

      Online payment is coming soon — for now we confirm and collect securely via WhatsApp.

      Not sure yet? Just ask.

      Send us your school and your waiver deadline. We'll tell you in minutes if you qualify and how much you'd save.

      Chat on WhatsApp

      Or reach us your way

      WhatsApp, text, call, or your country's favorite app. Pick whatever's easiest.

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